Loan term: six months starting from the date loan is actually provided to the Company.

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Interest rate: fixed rate of 5.40%;

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Penalty interest rate for delayed repayment: 5.40% plus 50% *5.40%;

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Penalty interest rate for embezzlement of loan proceeds: 5.40% * 2;

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Purpose of the loan is to provide working capital for the Company;

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Advanced repayment of loan needs to be approved by the Lender;

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Breach of contract penalties: suspension of loan not yet provided, demand prepayment of loan principal and interest before maturity; imposition of punitive interest; compensation for the Lenders expenses incurred due to the Companys breach of contract such as lawyers fee, travel cost in case of litigation, etc.